The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$63,603
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,581
−HK$2,010/mo
Today · 4.125%
HK$67,591
baseline
▲ 0.50% · 4.625%
HK$71,704
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,182/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,757
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,655
−HK$1,925/mo
Today · 4.125%
HK$74,580
baseline
▲ 0.50% · 4.625%
HK$78,511
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,160/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,323
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,697
−HK$2,412/mo
Today · 4.125%
HK$81,109
baseline
▲ 0.50% · 4.625%
HK$86,045
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,218/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,909
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,186
−HK$2,310/mo
Today · 4.125%
HK$89,496
baseline
▲ 0.50% · 4.625%
HK$94,214
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$178,992/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,044
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,814
−HK$2,814/mo
Today · 4.125%
HK$94,628
baseline
▲ 0.50% · 4.625%
HK$100,385
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,256/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,060
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,717
−HK$2,695/mo
Today · 4.125%
HK$104,412
baseline
▲ 0.50% · 4.625%
HK$109,916
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,824/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,485
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,046
−HK$3,618/mo
Today · 4.125%
HK$121,664
baseline
▲ 0.50% · 4.625%
HK$129,067
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,328/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,363
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,779
−HK$3,465/mo
Today · 4.125%
HK$134,244
baseline
▲ 0.50% · 4.625%
HK$141,320
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,488/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,443 · Scale 2, in force from 26 Feb 2026)